That's pretty funny that they don't bill the transaction as a cash advance. I know the CTO of PayPal (friend of a friend), and these guys aren't as dumb as you might think they are. Incidentally, if you are interested in how they plan to make money:
http://www.zdnet.com/intweek/stories...394658,00.html
Also I think that eventually they will sign up merchants who will accept fund transfers from them directly, kind of like an ATM network.